DeSERANNO News

Archive

Financial Articles



VOL. 9, ISSUE 5   •   OCTOBER, 2017
Cutting Your Medical Bills
There are things you can do to cut your medical bills. READ MORE...


VOL. 9, ISSUE 4   •   SEPTEMBER, 2017
Tips for Business Travelers
Do you fly for business? Here are some ways to make the trip go more smoothly. READ MORE...


VOL. 9, ISSUE 4   •   SEPTEMBER, 2017
Seasonal Chores That Save You Money
As the calendar turns to fall, taking care of these home maintenance chores will save you money. READ MORE...


VOL. 9, ISSUE 3   •   AUGUST, 2017
Tips for Buying Jewelry
If you are planning to surprise your special someone with a piece of jewelry, take care to get the best deal. READ MORE...


VOL. 9, ISSUE 3   •   AUGUST, 2017
Saving Tips That Might Be Wrong
Sometimes the conventional wisdom about saving may not be so wise. READ MORE...


VOL. 9, ISSUE 2   •   JULY, 2017
College Money Topics
There are lots of things to remember as a child prepares to go off to college. Here are some money matters to add to the list. READ MORE...


VOL. 9, ISSUE 2   •   JULY, 2017
Do Meal-Prep Plans Make Financial Sense?
You no doubt have noticed the proliferation of services that deliver everything you need to make dinner directly to your door. But do they make sense financially? It depends. READ MORE...


VOL. 9, ISSUE 1   •   JUNE, 2017
What Home Inspectors Check
Both buyers and sellers can benefit from a home inspection. READ MORE...


VOL. 9, ISSUE 1   •   JUNE, 2017
When Does Food Really Expire?
You might be able to avoid wasting food -- and money -- by gaining a better understanding of what various food expiration dates really mean. READ MORE...


VOL. 8, ISSUE 12   •   MAY, 2017
Starting a Vegetable and Herb Garden
Growing your own vegetables and herbs can save you money and boost the flavor of your meals. READ MORE...


VOL. 8, ISSUE 12   •   MAY, 2017
Bargain Destinations for 2017
If you have a big sense of adventure but a small budget, these destinations are for you. READ MORE...


VOL. 8, ISSUE 10   •   MARCH, 2017
Jobs That Pay You to Travel
Are you long on wanderlust but short on funds? There are many jobs that provide both travel and a paycheck. READ MORE...


VOL. 8, ISSUE 10   •   MARCH, 2017
IRS Warns of Tax-Time Scams
Tax season is also scam season. The IRS urges you to watch out for these common attempts to steal your information. READ MORE...


VOL. 8, ISSUE 8   •   JANUARY, 2017
Save on Heat This Winter
Some forecasters predict that parts of the country are headed into a polar vortex -- a period of extremely cold temperatures. How can you stay warm without breaking the bank? READ MORE...


VOL. 8, ISSUE 8   •   JANUARY, 2017
Keeping Your Resolutions
The new year is a time for resolutions. Here is some advice for keeping yours. READ MORE...


VOL. 8, ISSUE 7   •   DECEMBER, 2016
Worst States for Retirees
There are lots of things that go into deciding where to retire, of course. But if you want your money to stretch as far as possible, you should steer clear of these 10 states. READ MORE...


VOL. 8, ISSUE 7   •   DECEMBER, 2016
Protect Your Home When You Are Gone
There are steps you can take to keep your house safe when you are away. READ MORE...


VOL. 8, ISSUE 6   •   NOVEMBER, 2016
Filing a Complaint Effectively
If you want to file a complaint with a company, the way you go about it can make a difference in your ultimate success. READ MORE...


VOL. 8, ISSUE 6   •   NOVEMBER, 2016
Saving on Holiday Hosting
Gift-giving is not the only expense of the holidays. Hosting can drain your bank account too, unless you take some steps to save money. READ MORE...


VOL. 8, ISSUE 5   •   OCTOBER, 2016
Habits of Productive People
Why do some people tend to get more done than others? Productive people just do things differently. READ MORE...


VOL. 8, ISSUE 5   •   OCTOBER, 2016
Home Maintenance To Do Now
Fall brings colorful leaves, football games -- and home maintenance to take care of before the snow flies. READ MORE...


VOL. 8, ISSUE 4   •   SEPTEMBER, 2016
Take Advantage of Shoulder Season Travel
Some of the greatest travel bargains are to be had during shoulder seasons, those few months between cheaper and more expensive times in a specific location. READ MORE...


VOL. 8, ISSUE 4   •   SEPTEMBER, 2016
Top 25 Places to Retire
Are you looking for somewhere to settle in retirement? Here are 25 top options. READ MORE...


VOL. 8, ISSUE 3   •   AUGUST, 2016
Navigating a Farmers Market
As the season's bounty fills the stalls, here are some suggestions for making the most of your farmers market. READ MORE...


VOL. 8, ISSUE 3   •   AUGUST, 2016
Things Your College Student Does NOT Need
If you or someone you know is sending a freshman off to college, you no doubt have a huge list of things to buy. But you probably can trim that list significantly. READ MORE...


VOL. 8, ISSUE 2   •   JULY, 2016
Finding Inexpensive Air Fares
Air travel is great, especially when you get a good deal on a ticket. Here's how to find a fare for less. READ MORE...


VOL. 8, ISSUE 2   •   JULY, 2016
Should You Rent a Car for Vacation?
There are pros and cons to renting a car for a vacation rather than driving your own. It can depend on the type of car you have, where you are going, and more. READ MORE...


VOL. 8, ISSUE 1   •   JUNE, 2016
What Baby Gear Can You Get Used?
For small people, babies require a lot of stuff. If you are about to welcome a grandchild, you can save money by buying used. But you should be careful. READ MORE...


VOL. 8, ISSUE 1   •   JUNE, 2016
Trimming Landscaping Costs
Landscaping can make your outdoors beautiful, but it also can be expensive. Here are some ways to keep the costs down. READ MORE...


VOL. 7, ISSUE 12   •   MAY, 2016
Ways to Use Your Refund on Your Home
If your tax refund is burning a hole in your pocket, or if you have other disposable money, here are some suggestions for improving your home. READ MORE...


VOL. 7, ISSUE 12   •   MAY, 2016
Avoid These Common FAFSA Errors
Filling out a FAFSA form is the first step in getting financial aid for college. However, many people make mistakes on the form. Here are five common errors to avoid. READ MORE...


VOL. 7, ISSUE 11   •   APRIL, 2016
Saving Money in the Kitchen
The kitchen is often called the center of the home. It also can be the center of your efforts to avoid wasting money. READ MORE...


VOL. 7, ISSUE 11   •   APRIL, 2016
Seasonal Chores Can Pay Off
Spring chores around the house can save you money -- and help keep you safe. READ MORE...


VOL. 7, ISSUE 10   •   MARCH, 2016
Drying Out Your Smartphone
You know that sick feeling you get when you realize your smartphone is covered in liquid? Well there are some things you can do to save it. READ MORE...


VOL. 7, ISSUE 10   •   MARCH, 2016
Watch Out for These Scams
Scammers are always thinking up new ways to separate people from their money. Here are some new scams as well as some old favorites. READ MORE...


VOL. 7, ISSUE 9   •   FEBRUARY, 2016
Value Destinations for 2016
You don't have to be wealthy to see the world. Here are some options for the budget traveler. READ MORE...


VOL. 7, ISSUE 9   •   FEBRUARY, 2016
Tips for Working from Home
Whether you work from home all the time or only occasionally, here are some things that can make the experience more successful. READ MORE...


VOL. 7, ISSUE 8   •   JANUARY, 2016
What's the Deal with Credit Card Chips?
You probably have received new credit cards with microchip technology. But what's the difference between these and the old magnetic strip cards? READ MORE...


VOL. 7, ISSUE 8   •   JANUARY, 2016
Recovering from the Holidays
Most people go at least a little off-track financially over the holidays. Here's how to get on the road to recovery -- long-term and short-term. READ MORE...


VOL. 7, ISSUE 7   •   DECEMBER, 2015
Guidelines for Holiday Tipping
You would like to remember your hairstylist or your letter carrier or your dog sitter with a gift at the holidays. But how much is appropriate? READ MORE...


VOL. 7, ISSUE 7   •   DECEMBER, 2015
Year-End Financial To-Do List
The end of the year is around the corner. Here are some financial things you should do by New Year's Eve. READ MORE...


VOL. 7, ISSUE 6   •   NOVEMBER, 2015
Part-Time Retirement
What if you are not quite ready to retire completely? Here are some suggestions for easing into retirement. READ MORE...


VOL. 7, ISSUE 6   •   NOVEMBER, 2015
Budgeting for the Holidays
Budgeting for the holidays takes discipline and creativity. But it can be done. READ MORE...


VOL. 7, ISSUE 5   •   OCTOBER, 2015
Fall Chores Can Save You Money in Winter
Now that the lazy days of summer are over, it is time to turn to some projects to get your home ready for winter. READ MORE...


VOL. 7, ISSUE 5   •   OCTOBER, 2015
DIY Halloween Costumes
The average family spends more than $100 on Halloween, and a fair amount of that goes for costumes. But you can save money by making your own. READ MORE...


VOL. 7, ISSUE 4   •   SEPTEMBER, 2015
Curb Appeal Matters
You know that the outside of your house is the first thing potential buyers see when you are selling your home. So don't sabotage this most important first impression. READ MORE...


VOL. 7, ISSUE 4   •   SEPTEMBER, 2015
Best Colleges for the Money
All colleges are not created equal. Here is a list of the schools that give students (and their parents) the best bang for their bucks. READ MORE...


VOL. 7, ISSUE 3   •   AUGUST, 2015
Best Things to Sell at a Garage Sale
If you add these items to your garage sale, you can boost your profits. READ MORE...


VOL. 7, ISSUE 3   •   AUGUST, 2015
Budgeting for Rover
A dog can give you a lifetime of love. However, it doesn't come free. READ MORE...


VOL. 7, ISSUE 2   •   JULY, 2015
Easy Ways to Save Water
Conserving water can help you save money while you protect the environment. And it is easier than you might think. READ MORE...


VOL. 7, ISSUE 2   •   JULY, 2015
When to Choose Generic
Sometimes it pays to buy generic, and sometimes it does not. The trick is to know which is which. READ MORE...


VOL. 7, ISSUE 1   •   JUNE, 2015
When Does Travel Insurance Make Sense?
If you ever have booked a trip through a travel agent, you probably have been offered travel insurance. Should you buy it? It depends. READ MORE...


VOL. 7, ISSUE 1   •   JUNE, 2015
Cutting Your Cooling Costs
Air conditioning bills can take a huge bite out of your budget. But there are things you can do to trim the costs without sweltering in your house. READ MORE...


VOL. 6, ISSUE 12   •   MAY, 2015
Protecting Against Flood Losses
Flooding can devastate your home. But not understanding your insurance coverage for flooding is even worse. READ MORE...


VOL. 6, ISSUE 11   •   APRIL, 2015
Everyday Savings Tips
Saving money on the shopping you do every day can really add up over time. READ MORE...


VOL. 6, ISSUE 10   •   MARCH, 2015
Should You Buy a Home Warranty?
You know that a major home repair can put a major dent in your finances. But is a home warranty the answer? READ MORE...


VOL. 6, ISSUE 10   •   MARCH, 2015
Best Places to Retire Abroad
If you are thinking outside the box about your retirement options, consider these top international retirement destinations. READ MORE...


VOL. 6, ISSUE 9   •   FEBRUARY, 2015
Financial Issues Before the Wedding
If you are about to marry, you have a lot to think about. But you should put financial planning at the top of the list. READ MORE...


VOL. 6, ISSUE 5   •   OCTOBER, 2014
Retiring on $30,000 a Year
Retirement has become much more challenging for many people as a result of the recession. But there are some places where you can live comfortably on $30,000 a year. READ MORE...


VOL. 6, ISSUE 5   •   OCTOBER, 2014
Winterizing Your Home
Now is the time to make sure your home is ready for winter. READ MORE...


VOL. 6, ISSUE 4   •   SEPTEMBER, 2014
Fall Yard Work Check List
Fall is the best time to take steps to ensure that you don't have to make major repairs on your yard and garden when summer comes around again. READ MORE...


VOL. 6, ISSUE 4   •   SEPTEMBER, 2014
College Tuition Is Not Always What It Seems
Even the most expensive colleges might not be beyond reach. Start by looking for schools that are generous with their grant money. READ MORE...


VOL. 6, ISSUE 3   •   AUGUST, 2014
Winning a Bidding War for a House
Low inventory in many areas has ignited bidding wars on some home sales. How can you avoid getting into a bidding war over the home you want -- or win the war? READ MORE...


VOL. 6, ISSUE 3   •   AUGUST, 2014
Top Retirement States Might Surprise You
The top state for retirees, according to the latest Bankrate study, has neither beaches nor endless summer. But it does have low costs, low crime and excellent health care. READ MORE...


VOL. 6, ISSUE 2   •   JULY, 2014
House Hunting Tips
More people appear to be sticking their toes back into the real estate market. If you are one of them, here are some things to avoid when house hunting. READ MORE...


VOL. 6, ISSUE 2   •   JULY, 2014
Slicing Your Meat Budget
Meat can take a big bite out of your food budget. But you can cut your meat costs -- and eat healthier as well. READ MORE...


VOL. 6, ISSUE 1   •   JUNE, 2014
Cutting Your Cooling Costs
You know you can turn up your thermostat to save money on your cooling costs. But here are some things you might not have thought of that can help your house keep its cool this summer. READ MORE...


VOL. 6, ISSUE 1   •   JUNE, 2014
Saving on Summer Vacation
Summer vacations are great, but they can cost a bundle. Use some strategies to help you get away for less READ MORE...


VOL. 5, ISSUE 12   •   MAY, 2014
The Role of the Executor
Being executor of an estate is a big honor -- and a big responsibility. READ MORE...


VOL. 5, ISSUE 12   •   MAY, 2014
College Tuition Is Not Always What It Seems
Even the most expensive colleges might not be beyond reach. Start by looking for schools that are generous with their grant money. READ MORE...


VOL. 5, ISSUE 11   •   APRIL, 2014
Building Mental Toughness
Mental toughness often is an important factor in achieving success in your career and in your life. People who have mental toughness share a variety of characteristics -- including things that they do not do. READ MORE...


VOL. 5, ISSUE 11   •   APRIL, 2014
Growing Your Own Veggies
Growing your own vegetables can save you money and improve your eating experience. And it is easier than you might think. READ MORE...


VOL. 5, ISSUE 10   •   MARCH, 2014
Stay Safe from Spring Floods
Springtime brings robins, tulips -- and flooding. Know your risks, and prepare to protect yourself and your property from rising water. READ MORE...


VOL. 5, ISSUE 10   •   MARCH, 2014
Top Bargain Destinations for 2014
Travel is even better when it costs less. Here are Budget Travel's suggestions for where to get the most for your travel dollar in 2014. READ MORE...


VOL. 5, ISSUE 9   •   FEBRUARY, 2014
Saving on Car Repair
Car repairs are always an inconvenience, and they can be a major financial hassle as well. But there are some things you can do to keep the costs down. READ MORE...


VOL. 5, ISSUE 9   •   FEBRUARY, 2014
Credit Card Hacking
If a credit card hacking incident is reported at a place where you shop, you should act quickly to protect yourself. READ MORE...


VOL. 5, ISSUE 8   •   JANUARY, 2014
Setting Up a Budget
If one of your new year's resolutions was to get a better handle on your spending, a budget is the best place to start. READ MORE...


VOL. 5, ISSUE 8   •   JANUARY, 2014
Bargain Travel Destinations
Want to stretch your travel budget? Head for one of Lonely Planet's "Top Value" Destinations. READ MORE...


VOL. 5, ISSUE 7   •   DECEMBER, 2013
Smart Savings on Your Energy Bills
Keeping your house warm in winter -- and cool in summer -- can take a bite out of your budget. Here are some cost-effective ways to cut your energy bills. READ MORE...


VOL. 5, ISSUE 7   •   DECEMBER, 2013
Tax-Unfriendly States for Retirees
When it comes to taxes that affect retirees, all states are not created equal. These 10 can hit retiree income the hardest. READ MORE...


VOL. 5, ISSUE 6   •   NOVEMBER, 2013
Holding the Line on Holiday Spending
Don't let your holiday spending get away from you. Have a plan. READ MORE...


VOL. 5, ISSUE 6   •   NOVEMBER, 2013
Getting Something for Nothing
Travel can be expensive, but there are still some great free deals. Here are 10 of the best in the United States. READ MORE...


VOL. 5, ISSUE 5   •   OCTOBER, 2013
Beware of Obamacare Scams
Insurance exchanges under Obamacare take effect this fall, and scammers are using the new law to try to get personal information. READ MORE...


VOL. 5, ISSUE 5   •   OCTOBER, 2013
Pros and Cons of Layaway
You might remember how, in the days before most people had multiple credit cards, layaway was how many holiday shoppers spread out the payments for big gifts. Does it still make sense? READ MORE...


VOL. 5, ISSUE 4   •   SEPTEMBER, 2013
Should You Join a Warehouse Club?
Are the prices at a warehouse club worth the limited selection and the shopping hassles? It depends on what you're buying. READ MORE...


VOL. 5, ISSUE 3   •   AUGUST, 2013
Making House Sharing Work
Alternative housing arrangements -- from young adults moving in with their parents to older people moving in together -- are on the rise. If you are considering such a move, how can you protect your interests? READ MORE...


VOL. 5, ISSUE 2   •   JULY, 2013
Considering a Vacation Home
Vacation home sales increased at double-digit rates in 2012. So how do you know if a vacation home is right for you? READ MORE...


VOL. 5, ISSUE 2   •   JULY, 2013
Selling Stuff on Craigslist
Craiglist can be a great place to go if you want to de-clutter your house and pick up a little extra cash while you are at it. But there are some things you can do to help get the best price and avoid rip-offs. READ MORE...


VOL. 5, ISSUE 1   •   JUNE, 2013
Helping Out Your A/C
Setting your thermostat a little higher during the summer can save you money and help the environment. Here are some ways you can stay cooler without cranking up the A/C. READ MORE...


VOL. 5, ISSUE 1   •   JUNE, 2013
Tips for Shopping at the Farmers Market
A farmers market can be a wonderful place to find fresh produce. But there is a strategy to getting the most out of your visit. READ MORE...


VOL. 4, ISSUE 12   •   MAY, 2013
Spring Cleaning for Your Car
Your car can use a spring cleaning, to get rid of winter grime and get ready for warm-weather driving. READ MORE...


VOL. 4, ISSUE 12   •   MAY, 2013
Job Satisfaction and Health
Workers with the highest job satisfaction also have better emotional and physical health than other employees. And doctors are at the top of the list. READ MORE...


VOL. 4, ISSUE 11   •   APRIL, 2013
A New Kind of Giving
You probably are familiar with the BOGO -- buy one, get one free -- sale. But some retailers are offering another kind of BOGO: Buy one, give one. READ MORE...


VOL. 4, ISSUE 11   •   APRIL, 2013
How to Spend Your Tax Refund
If you got a tax refund this year, you have several options for spending it. Here are 10 of the best. READ MORE...


VOL. 4, ISSUE 10   •   MARCH, 2013
Understanding Flood Coverage
Images of flooded homes and the cleanup that follows can be heartbreaking. But many homeowners face another devastating reality: They do not have insurance coverage for their losses. READ MORE...


VOL. 4, ISSUE 10   •   MARCH, 2013
Fixing Errors on Your Credit Report
So you ordered a copy of your credit report, and you have pored over it looking for errors. You found some. Now what do you do? READ MORE...


VOL. 4, ISSUE 9   •   FEBRUARY, 2013
Monthly Bargain Guide
You know you can find something on sale any time. But certain items traditionally go on sale at certain times of the year. READ MORE...


VOL. 4, ISSUE 7   •   DECEMBER, 2012
Year-End Financial Checklist
Amid all the hustle and bustle of year-end, take some time to put your financial house in order. READ MORE...


VOL. 4, ISSUE 7   •   DECEMBER, 2012
Saving Money on Entertainment
Going out might seem like a luxury. But with a little savvy and planning, you can fit entertainment into your budget. READ MORE...


VOL. 4, ISSUE 6   •   NOVEMBER, 2012
Holiday Tipping and Gifting
Here are some suggestions for how to handle tips and gifts for your hairstylist, your personal trainer, your dog groomer, your mail carrier and others who help make your life better and easier. READ MORE...


VOL. 4, ISSUE 6   •   NOVEMBER, 2012
Winter Maintenance for Your Car
Preparing your car for winter weather and maintaining it throughout the winter can help you save money and stay safe. READ MORE...


VOL. 4, ISSUE 5   •   OCTOBER, 2012
Bring Sanity to Your Holiday Shopping
Worried about blowing your budget during the holidays? Here are some ways to avoid the overspending hangover. READ MORE...


VOL. 4, ISSUE 5   •   OCTOBER, 2012
Kids and Money
You want to be generous to your grandchildren, but at the same time you want to help them learn the value of a dollar. How can you help teach them to manage money responsibly? READ MORE...


VOL. 4, ISSUE 3   •   AUGUST, 2012
Home Improvements That Pay Off
When you undertake a home improvement, you want to know that it will make a difference when you sell your home. But some improvements pay off better than others. READ MORE...


VOL. 4, ISSUE 3   •   AUGUST, 2012
Improving Your Credit Score
There are several things you can do to improve your credit score -- and your financial picture. READ MORE...


VOL. 4, ISSUE 2   •   JULY, 2012
Help for Hiring a Contractor
Hiring a contractor can be confusing and frustrating. But if you follow some simple steps, you are more likely to be satisfied when the work is finished. READ MORE...


VOL. 4, ISSUE 2   •   JULY, 2012
Shopping Estate Sales
An estate sale can be the perfect place to find anything from a new couch to deck furniture to baseball cards. You just need to know where -- and how -- to look. READ MORE...


VOL. 4, ISSUE 1   •   JUNE, 2012
Eliminating Workplace Distractions
Distractions at work make it hard to do your job and can add to your stress level. Try these tips to eliminate distractions and work more efficiently. READ MORE...


VOL. 4, ISSUE 1   •   JUNE, 2012
Eating for Less on Vacation
Saving money on food can make your vacation more affordable. READ MORE...


VOL. , ISSUE   •   MAY, 2012
Where the Jobs Will Be
If you think you might be looking for a job between now and 2020, your best bet is probably nursing. READ MORE...


VOL. , ISSUE   •   MAY, 2012
Teaching Good Saving Habits
You help the children in your life learn all kinds of things that will serve them well later in life. So help them learn to be good savers. READ MORE...


VOL. 1, ISSUE 1   •   JULY, 2010
Preparing Your Home for Winter
Winter is just around the corner, and it's time to make sure your house is ready for the cold and snow. READ MORE...


VOL. 1, ISSUE 1   •   JULY, 2010
Wine Collecting
A growing appreciation for fine wines has led more Americans to become collectors -- for profit as well as for their own enjoyment. READ MORE...


VOL. 1, ISSUE 1   •   JULY, 2010
You Can't Take it With You
You want to get the most out of your money while you are alive, of course. And you want that money to keep on working hard to take care of the people you love, once you aren't around to do it anymore. Estate planning is critical to protecting your heirs, but it also can be extremely complicated. READ MORE...


VOL. 3, ISSUE 11   •   APRIL, 2012
Farm-Fresh Produce, Without the Farm
In the good old days, when you wanted tomatoes or some green beans, you walked out to the garden and picked them. Now you can have farm-fresh food, even if you don't have a farm. READ MORE...


VOL. 3, ISSUE 11   •   APRIL, 2012
Green Cleaning From the Pantry
Traditional cleaning products can damage the environment, and many commercially available "green" products can be costly. But there are less expensive alternatives right in your pantry. READ MORE...


VOL. 3, ISSUE 10   •   MARCH, 2012
Staging Your Home
Increasingly, sellers are hiring home stagers, experts who make your home look more attractive to potential buyers. But even if you can't afford a professional stager, you can borrow a few of their tips. READ MORE...


VOL. 3, ISSUE 10   •   MARCH, 2012
Computing in the Cloud
You no doubt have heard the buzz about computing in the cloud. But what exactly is the cloud, and what can it do for you? READ MORE...


VOL. 3, ISSUE 9   •   FEBRUARY, 2012
The Value of Home Improvements
Home improvements can make your home more attractive and livable. But some home improvements also can pay off better than others when you decide to sell your house. READ MORE...


VOL. 3, ISSUE 9   •   FEBRUARY, 2012
Tips for Buying an Engagement Ring
If you are helping your child shop for an engagement ring, or if you are in the market yourself, there are some things to know before you start visiting jewelers. READ MORE...


VOL. 3, ISSUE 8   •   JANUARY, 2012
Picking a Personal Trainer
A personal trainer can help you get and keep your fitness program on track -- but only if you choose the right trainer. READ MORE...


VOL. 3, ISSUE 8   •   JANUARY, 2012
Resolutions for Your Financial Health
You probably made a New Year's resolution to get healthier. But you also should resolve to work on your financial health. READ MORE...


VOL. 3, ISSUE 7   •   DECEMBER, 2011
Tax Havens for Retirees
When you are choosing a place to retire, some states are more tax-friendly than others. And low taxes can help your retirement nest egg go further. READ MORE...


VOL. 3, ISSUE 7   •   DECEMBER, 2011
Avoiding Holiday Internet Scams
Tis the season to be on the lookout for a variety of holiday-inspired Internet scams. READ MORE...


VOL. 3, ISSUE 6   •   NOVEMBER, 2011
Working from Home
Working from home sounds like a dream come true. And it can be -- as long as you know what you are getting into before you commit. READ MORE...


VOL. 3, ISSUE 6   •   NOVEMBER, 2011
Preparing Your Home for Winter
Winter is just around the corner, and it's time to make sure your house is ready for the cold and snow. READ MORE...


VOL. 3, ISSUE 5   •   OCTOBER, 2011
Planning for Disaster
If it seems that there are more disasters, that could be because there are. Which makes this a good time to think about how your family would fare in a natural or manmade crisis. READ MORE...


VOL. 3, ISSUE 5   •   OCTOBER, 2011
Remodeling for Your Future
If you are remodeling your kitchen or bathroom, it can be smart to make a few adjustments to make living easier as you age. READ MORE...


VOL. 3, ISSUE 5   •   OCTOBER, 2011
Three Keys to Surviving Market Turbulence
Most stock market investors are looking for the same result: strong and steady gains of their investments. Dealing with a period of sustained falling stock prices is not easy. READ MORE...


VOL. 3, ISSUE 4   •   SEPTEMBER, 2011
Avoiding Technology Etiquette Breaches
Technology etiquette breaches can make you look bad in front of your colleagues and your boss, and even can cost you your job. READ MORE...


VOL. 3, ISSUE 4   •   SEPTEMBER, 2011
Managing Holiday Expectations
The holiday season will be here before you know it, so now is the time to start managing expectations -- yours and those of your children, family and friends. READ MORE...


VOL. 3, ISSUE 4   •   SEPTEMBER, 2011
Starting Early
Early retirement is a dream for most people: getting out from behind the desk and leaving the workaday world behind. But it is not for everyone, and it takes a lot of planning to make it work. READ MORE...


VOL. 3, ISSUE 3   •   AUGUST, 2011
Why is the stock market so volatile lately?
Many people are asking DeSERANNO: “Why is the stock market so volatile lately?” ““How does the recent stock market volatility affect me?” And, “What should I be doing with my money now?” READ MORE...


VOL. 3, ISSUE 3   •   AUGUST, 2011
Wine Collecting
A growing appreciation for fine wines has led more Americans to become collectors -- for profit as well as for their own enjoyment. READ MORE...


VOL. 3, ISSUE 3   •   AUGUST, 2011
Working Longer
There can be significant financial benefits to delaying retirement past the usual age. And there may be other benefits as well, especially if you like your job and have your health. READ MORE...


VOL. 3, ISSUE 2   •   JULY, 2011
Coping with the Financial Crisis
What can you do if the financial crisis left your portfolio in ruins? The best approach is to regroup and move on. READ MORE...


VOL. 3, ISSUE 2   •   JULY, 2011
Trimming Air Conditioning Costs
When the weather gets hot, you love your home air conditioner -- until you get the bill. But there are things you can do to keep your A/C from taking too big a bite out of your budget. READ MORE...


VOL. 3, ISSUE 1   •   JUNE, 2011
Mistakes Parents Teach Kids About Money
Parents try to teach their children all kinds of lessons. But many parents are teaching the wrong lessons about money, according to Forbes.com. READ MORE...


VOL. 3, ISSUE 1   •   JUNE, 2011
Kids Need Money Mentors
With the level of consumer debt skyrocketing and the cost of housing, education and health care increasing at double-digit rates, younger generations are facing unprecedented challenges to achieving economic security and financial independence. READ MORE...


VOL. 2, ISSUE 12   •   MAY, 2011
Three Steps to Help Save for Short-Term Goals
Pursuing short-term financial goals -- those that you'd like to achieve within one to five years, such as a down payment on a home or car -- can require a different strategy than pursuing long-term goals. READ MORE...


VOL. 2, ISSUE 12   •   MAY, 2011
Think Globally, Buy Locally
Although the phrase is thrown around a lot, it is not often you find an actual win-win situation. But you really can get better value, keep your family safer and healthier, and help save the planet, all by taking a trip to the local farmer's market or food co-op. READ MORE...


VOL. 2, ISSUE 11   •   APRIL, 2011
Four Tips for Tax Smart Investing
Savvy investors have long realized that what their investments earn after taxes is what really counts. After factoring in federal income and capital gains taxes, the alternative minimum tax (AMT), and potential state and local taxes, your investment returns in any given year may be reduced by 40% or more. READ MORE...


VOL. 2, ISSUE 11   •   APRIL, 2011
Summer Vacation Savings
Summer, the traditional vacation season, is fast approaching. As you plan your time off, take time to consider a number of ways to help stretch your vacation budget. READ MORE...


VOL. 2, ISSUE 10   •   MARCH, 2011
It's Never Too Early to Be Prepared
You would never purposely leave your loved ones rummaging through the house for important papers if you died or became incapacitated. But that is what might happen, unless you set things in order now. Even though you are in the prime of your life, you need to be prepared -- for yourself and for the ones you love. READ MORE...


VOL. 2, ISSUE 10   •   MARCH, 2011
Estate Planning: The Rules Change Again
The federal government isn't making it easy for Americans to feel confident about their estate plans. READ MORE...


VOL. 2, ISSUE 9   •   FEBRUARY, 2011
Shopping Estate Sales
An estate sale can be the perfect place to find anything from a new couch to deck furniture to baseball cards. You just need to know where -- and how -- to look. READ MORE...


VOL. 2, ISSUE 9   •   FEBRUARY, 2011
What is Financial Life Planning?
Financial Life Planning is a holistic process that puts your interests first and focuses on increasing your sense of financial well-being and life satisfaction. READ MORE...


VOL. 2, ISSUE 8   •   JANUARY, 2011
Keeping Your Computer Safe
There are some common-sense steps you should take to keep your computer data safe from high-tech thieves and con artists. READ MORE...


VOL. 2, ISSUE 8   •   JANUARY, 2011
The Yearly Review
Maybe your New Year's resolutions include more trips to the gym or less time on the BlackBerry. But you also should see if you need to make some New Year's resolutions in your financial life. READ MORE...


VOL. 2, ISSUE 8   •   JANUARY, 2011
A One-Year Checklist to Retirement
One of the biggest lessons of the recent economy is that many people who thought they were financially ready for retirement…weren’t. READ MORE...


VOL. 2, ISSUE 7   •   DECEMBER, 2010
Tax Planning for 2010 Down to the Wire
As a changing power base in Washington wrangles over tax policy in the waning days of Congress’ lame duck session, millions of families and investors are reluctantly awaiting the return of the estate tax and presumably much more stringent rules on gifting. READ MORE...


VOL. 2, ISSUE 7   •   DECEMBER, 2010
Keeping to a Holiday Budget
Filled with the spirit of the season, you spend like Santa, and then you feel like Scrooge when you get the bills. But a little planning and self-control can keep you within budget on everything from gifts to cards to entertaining. READ MORE...


VOL. 2, ISSUE 6   •   NOVEMBER, 2010
A Client Story - Are You Overpaying Medicare Premiums?
I discovered that my new client had overpaid Medicare premiums by $5,087 in 2009 and nobody even knew it! READ MORE...


VOL. 2, ISSUE 6   •   NOVEMBER, 2010
Handling the Holiday Budget
The holidays can be expensive under the best of circumstances, and celebrating in the midst of an economic downturn takes a lot of discipline and creativity. READ MORE...


VOL. 2, ISSUE 6   •   NOVEMBER, 2010
Planning For Retirement – Will You Be Prepared?
Income security in retirement was once illustrated as a stool supported by three legs. These legs were: Social Security income, employer pension plans and personal savings. If you want to secure a comfortable retirement future, then it is important to understand how each leg of your retirement stool will be built. READ MORE...


VOL. 2, ISSUE 3   •   AUGUST, 2010
Paying for College
The cost of college is rising much faster than the rate of inflation, and you are becoming increasingly concerned that when the time comes, you won't have the money you need. There are many options for saving for college, including the popular 529 plans. But as with any savings plan, the earlier you start, the better. READ MORE...


VOL. 2, ISSUE 3   •   AUGUST, 2010
Gifting the Grandkids
You want to pass on some of your wealth to your grandchildren while you are still around to watch them enjoy it. What are your options for making such gifts, and how can you make sure it goes to them instead of to Uncle Sam? READ MORE...


VOL. 2, ISSUE 3   •   AUGUST, 2010
August 2010 Commentary
As summer winds down and kids return to school, we are reminded again of the rising cost of education. Several years in a row college costs have risen 6-12% per year on average. READ MORE...


VOL. 2, ISSUE 2   •   JULY, 2010
Keeping Your Credit Score Healthy
It doesn't take much these days to damage a credit score. Before the recession, late payments and blasting through credit limits would take its toll. READ MORE...


VOL. 2, ISSUE 2   •   JULY, 2010
Teens and Credit
You thought once you had "the talk" with your kids, you were done with the important life lessons. But there is still one left: handling credit. READ MORE...


VOL. 2, ISSUE 1   •   JUNE, 2010
Using Your Credit Cards Abroad
Your credit card can be the easiest and safest way to pay for things when you travel abroad. However, there are things you can do to ensure that you don't pay more than you have to. READ MORE...


VOL. 2, ISSUE 1   •   JUNE, 2010
Planning a Wedding for Less
Your child got engaged, and now you have a wedding to plan. How can you help create a lovely wedding without sending yourself to the poorhouse? READ MORE...


VOL. 1, ISSUE 12   •   MAY, 2010
How Much Term Life Insurance Should You Buy?
You may have read that term life insurance rates are at historic lows and that now is the time to buy. It's worth a quick primer on why life insurance is necessary and who should buy it before getting to specific amounts that individuals should own. READ MORE...


VOL. 1, ISSUE 12   •   MAY, 2010
What Healthcare Reform Means for You
Healthcare reform caused heated debate and considerable hyperbole on both sides of the aisle in Congress. Now that the bill has become law, what does it mean for you and your family? READ MORE...


VOL. 1, ISSUE 12   •   MAY, 2010
Safe at Home
The recession is good for the home-safe business. But if you want a safe to store your valuables, be sure to understand the options before you buy. READ MORE...


VOL. 1, ISSUE 11   •   APRIL, 2010
Affordable Retirement Options
U.S. News & World Report offers a list of affordable retirement options you might not have thought of. READ MORE...


VOL. 1, ISSUE 11   •   APRIL, 2010
Making It Easier to Go Green
Making your home more energy-efficient can save money in the long run, but it can be a big expense upfront. The federal government, as well as state and local governments and utilities, have programs to ease the pain of going green. READ MORE...


VOL. 1, ISSUE 1   •   JULY, 2010
Wine Collecting
A growing appreciation for fine wines has led more Americans to become collectors -- for profit as well as for their own enjoyment. READ MORE...


VOL. 1, ISSUE 10   •   MARCH, 2010
Credit Card Changes Take Effect
Most of the massive credit card reform act that was passed in 2009 took effect Feb.22, 2010, and those changes could have a big effect on your credit card bill. READ MORE...


VOL. 1, ISSUE 10   •   MARCH, 2010
Understanding the Toyota Recall
Toyota, which also makes Lexus, has recalled millions of cars. How do you know if yours is among them, and what should you do if it is? READ MORE...


VOL. 1, ISSUE 9   •   FEBRUARY, 2010
Saving on Health Care
You know all about the high cost of health care. Congress continues to argue about how best to trim those costs, but you don't have to wait for changes out of Washington. There are things you can do right now to save money on health care. READ MORE...


VOL. 1, ISSUE 9   •   FEBRUARY, 2010
Haiti and Internet Safety
The tragedy in Haiti has tapped the compassion of Americans, but it also has tapped the avarice of Internet scammers and identity thieves. Here are some things to watch out for to stay safe on the Net. READ MORE...


VOL. 1 , ISSUE 8   •   JANUARY, 2010
Building Trust
Trusts can be a powerful part of your estate plan, giving you a lot of control over who gets your money, when, and what they can do with it. But setting up a trust can be tricky, and if you don't do it right, you could end up doing something you did not intend. READ MORE...


VOL. 1 , ISSUE 8   •   JANUARY, 2010
Avoiding a Census scam
The U.S. government is counting us all in the 2010 Census. However, there are some precautions to take to avoid being caught in a Census scam. READ MORE...


VOL. 1, ISSUE 7   •   DECEMBER, 2009
Year-End Financial Chores
Late December is about more than holiday parties -- it is the time to make sure you have tied up all your financial loose ends before the calendar turns to a new year. READ MORE...


VOL. 1, ISSUE 7   •   DECEMBER, 2009
Holiday Tips and Gifts
Holiday tipping and gifting can be confusing in the best of times. In economic times like these, it really can make you feel like Scrooge. Here's some guidance for spreading the cheer. READ MORE...


VOL. 1, ISSUE 6   •   NOVEMBER, 2009
Giving the Gift of a Financial Planner
The holiday season should be about giving, but at the end of the season, most people can't help but think it's all about spending and money out the door. READ MORE...


VOL. 1, ISSUE 6   •   NOVEMBER, 2009
Holiday Spending
The holidays can blow your budget out of the water. But with a little planning and discipline, you can stay solvent without coming off like Scrooge. READ MORE...


VOL. 1, ISSUE 5   •   OCTOBER, 2009
Getting Your House Ready for Winter
The days are getting shorter and the nights are getting cooler. Which means it is time to do a few things around the house, before winter comes in earnest. READ MORE...


VOL. 1, ISSUE 5   •   OCTOBER, 2009
Kids and Money
You are trying to teach your kids to be fiscally responsible, but you are not sure you are succeeding. How can you help your kids learn about money and prepare them for life ahead? READ MORE...


VOL. 1, ISSUE 4   •   SEPTEMBER, 2009
Dementia Is Not Only A Family Matter; It's Also A Financial Matter
When a close relative or friend starts to display signs of dementia or related neurological ailments, it is a family tragedy requiring speedy action and medical care. READ MORE...


VOL. 1, ISSUE 4   •   SEPTEMBER, 2009
Do Extended Warranties Make Sense?
When you buy an appliance or an electronic item, the salesperson probably asks if you want to buy an extended warranty. Should you say yes? READ MORE...


VOL. 1, ISSUE 3   •   AUGUST, 2009
Identity Theft
You notice odd charges on your credit card bill, or you start getting bills for things you did not buy. You may be the victim of identity theft. How can you protect yourself, and what do you do if it happens to you? READ MORE...


VOL. 1, ISSUE 3   •   AUGUST, 2009
Flying for Less
Air fares are one of the best travel bargains, but they still can add up, especially if you are buying more than one ticket. And besides, who doesn't want to save some money when they can? Here are some ways to pare your fare. READ MORE...


VOL. 1, ISSUE 2   •   JULY, 2009
Making the Most of Your Stay-cation
So you have decided that vacationing close to home is the fiscally responsible thing to do in these uncertain times. But you don't have to scrimp on the fun. READ MORE...


VOL. 1, ISSUE 2   •   JULY, 2009
Recession Bargains
The difficulties of the recession are many and real. But, as so often happens, there is also a bright side: If you have money to spend, this might be a good time to buy some big-ticket items READ MORE...


VOL. 1, ISSUE 1   •   JUNE, 2009
Online Banking
Online banks don't offer coffee and cookies in the lobby, because there is no lobby. But you don't have to wait for a teller, and you may get higher interest rates, better terms and lower fees. READ MORE...


VOL. 1, ISSUE 1   •   JUNE, 2009
The Return of the Kitchen Garden
Growing your own vegetables and herbs for the kitchen not only saves money; it provides better nutrition and taste. READ MORE...